Zopa taken away the safeguard insurance but did no...

Zopa taken away the safeguard insurance but did not really raise the rates. As a result of this l am running down my investment. Zopa charge 1% plus market value adjustment fees.
Other large p2p do not always charge to withdraw also have insurance and a safeguard fund to cover losses.
The 4the way website has good background reviews on all p2p